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How Spot Pet Insurance Works


Visit Any Licensed Vet

Get vet treatment in the U.S. or Canada.


Submit Your Claim Easily

Submit your claim online or in our app.


Get Cash Back

Get paid back for eligible vet bills for covered conditions.

Accident & Illnesses Coverage for Cats & Dogs

Your pet deserves the same love and care they get at home when it comes to pet insurance. Take the first step to getting help protecting your pet's heath with a pet insurance plan provided by Spot, with love-you-back benefits including:

  • Up to 90% reimbursement rate on eligible vet bills.

  • Visit any licensed vet, specialist, or ER clinic in the US or Canada.

  • Accident-only coverage for as low as $0.67/day**

  • 10% Multi-pet Discount

**Based on accident-only plan with 5K annual limit, 70% reimbursement rate, and $500 deductible in 33407 for a one year old medium mixed breed. Plan costs vary based on plan type, pet breed, age, and location.

Pet Insurance FAQs

What is Pet Insurance?

Pet insurance is for paw-rents seeking a financial safety net for accidents or illnesses that their pets might experience in the future.

Pet insurance plans provided from Spot have deductibles, reimbursement percentages, annual limits, and premiums.

How Does Pet Insurance Work?

Once you have your custom pet insurance policy and have paid your premium on a monthly or annual schedule, you carry on as usual!

When you need to visit the vet for a covered condition, you can submit a claim for reimbursement of the eligible expenses.


Your annual deductible amount applies during each policy period. You must satisfy your annual deductible before your reimbursements start. 


You get to select your reimbursement percentage when you enroll in a plan provided by Spot. Once your deductible is met, you will be reimbursed for eligible expenses according to the reimbursement percentage you select.


This is the amount you pay for pet insurance.FETCH A FREE QUOTE to see your premium today.


There is a 14-day waiting period for coverage. The waiting period begins on the first effective date of the applicable coverage. Any condition that occurs during an applicable waiting period is a pre-existing condition and is not eligible for coverage.

There is no waiting period for preventive care coverage if you choose to add it to your plan. Find more information on preventative care coverage here.


Illness, disease, injury, or change to your pet’s health that first occurs or shows symptoms before coverage is effective or during a waiting period. This includes conditions that are related to, secondary, or resultant from a pre-existing condition.  Pet Insurance plans provided by Spot do not cover pre-existing conditions.

Visit our dog insurance and cat insurance pages for more information about plans.

Do All Vets Take Spot Pet Insurance?

You can visit any licensed veterinarian, specialty clinic, or emergency clinic in the US or Canada.

What Do Pet Insurance Plans Provided by Spot Cover?

Spot Pet Insurance offers options for Accident-Only and Accident & Illness pet insurance plans. Spot plans offer an unlimited annual limit option, no per incident caps, and no lifetime caps.

Plans provided by Spot cover the eligible expenses for medically necessary veterinary treatments that are prescribed to treat your pet’s covered conditions.

You may use any licensed veterinarian in the US.

For a full list of terms and conditions, click here to view a sample policy.

What Do Spot Pet Insurance Plans Not Cover?

For a comprehensive list of policy exclusions and limitations, click here to view a sample policy.

Some common exclusions include:

  • Pre-existing conditions

  • Conditions occurring within policy waiting period(s)

  • Day care/boarding

  • Breeding Costs

  • Cosmetic procedures

  • Preventive Care

What is a Pre-Existing Condition?

Plans provided by Spot do not cover pre-existing conditions.  

A pre-existing condition is any injury or illness which occurs or shows symptoms before coverage starts or during a waiting period. A condition is considered pre-existing whether or not it’s been officially diagnosed or treated; all that matters is when it occurred or symptoms first displayed.

However, with pet insurance plans provided by Spot, this doesn’t mean the condition can’t be covered in the future if the condition is curable. An injury or illness that is curable, cured, and free of treatment and symptoms for 180 days will no longer be regarded as pre-existing, with the exception of knee and ligament conditions. If a knee or ligament condition occurs before the coverage effective date or during a waiting period, any future ones won’t be covered.

What is the Best Age to Insure My Pet?

Plans provided by Spot don’t have an upper age limit for new enrollments or coverage. We advise all pet parents to insure their pet at a young age.  You can enroll your pet in plan from Spot as soon as they’re 8 weeks old.  Don’t let your pet develop a “pre-existing condition” before they’re insured.